Securing your commercial loan approval, or "unlocking" it, is often easier than you think, but it really does depends on your lender. Getting a commercial loan is not unlike solving a combination lock. As we all know, there are tumblers within locks that, when properly aligned, will pop them open, allowing access to the bounty inside, which, if you're my twelve year old son, consists entirely of baseball cards, candy bars, X Box games, flat brim hats, and much to my surprise, a book.
For lenders, those tumblers are: Credit, Cash Flow, Capital, and Collateral. Unfortunately, most banks still require you to hit all four of those to unlock your approval - So for entree´ into that rarefied space, you would need to have not only good personal and business credit, but documentable cash flow, months of reserves, and equity in the subject property as well. Often, small business owners simply cannot meet those demands, are considered "unbankable" and left to their own devices.
The good news is that there are more and more lenders who understand that simply because you may fall short in just one or two areas doesn't mean you're not worth the risk and the investment. In fact, in many cases, it's quite the opposite. So, if you find that the tumblers aren't falling into place and you're unable to unlock your bounty, it's ok. Calm down, relax, and make a phone call or two. You may be pleasantly surprised. After all, it may just be time to change the lock and not the key.